CardAgent

Best credit cards for education fees in India (2026)

Cards ranked by real net reward on education fee payments after platform convenience fees.

  1. 1
    ICICI Bank
    ICICI Diamant Credit Card
    6% on Education fees₹11,800/yr incl. GST
    6 pts/Rs100 on INTERNATIONAL spends specifically
    89
  2. 2
    Federal Bank
    Jupiter Aurora Metal Debit Card
    5% on Education feesCap ₹1,000/mo₹9,439/yr incl. GST
    5% cashback on eligible debit card spends, capped ₹1,000/month (~₹12,000/year). Minimum txn value & eligible MCCs apply. Paid as Jewels (5 Jewels = ₹1).
    44
  3. 3
    Axis Bank
    Axis Bank Samsung Infinite Credit Card
    5% on Education fees₹5,900/yr incl. GST
    5 EDGE RP per ₹100 base (₹0.20/RP → ~1% effective)
    39
  4. 4
    Kotak Mahindra Bank
    Kotak811 Super Platinum Debit Card
    5% on Education feesCap ₹500/mo₹354/yr incl. GST
    FLAT 5% cashback up to ₹6,000 per year. Only on ECOM & POS spends. Requires single credit deposit of ₹10,000 in the month.
    30
  5. 5
    SBI Card
    SBI Aurum Credit Card
    4% on Education fees₹11,799/yr incl. GST
    4 RP/Rs100 uncapped base rate, premium tier
    80
  6. 6
    ICICI Bank
    ICICI Bank Emeralde Credit Card
    4% on Education fees₹14,160/yr incl. GST
    4 RP per ₹100 on retail spends → ~1% effective at ₹0.25/RP statement credit
    35
  7. 7
    Standard Chartered
    Standard Chartered Ultimate Credit Card
    3.33% on Education fees₹5,900/yr incl. GST
    5 pts/Rs150 = 3.33%, uncapped, broad category coverage; 1pt=Rs1 flat value
    73
  8. 8
    Standard Chartered
    SC Ultimate Credit Card
    3.33% on Education fees₹5,900/yr incl. GST
    5 pts/Rs150 = 3.33%, uncapped, broad category coverage; 1pt=Rs1 flat value
    73

How we rank

We compute an effective % back for each card's Education fees reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Do banks surcharge education fees?

Most third-party fee platforms (Grayquest, Jodo) charge 0.5–1.5% convenience fee. Direct-to-institute payments through most cards still earn base rate.

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